Part A

Part A: helps cover hospital care and what follows including rehabilitation services, some home health, and hospice services. There is a “benefit period” deductible for individuals without secondary coverage.

You usually don’t pay a monthly premium for Medicare Part A (hospital insurance) coverage if you or your spouse paid Medicare taxes while working for at least 10 years. This is sometimes called “premium-free Part A.”If you have worked 7.5-10 years, it will cost $240/month – if you have worked less than 7.5 years, it will cost $437/month.

But, most people do not pay premiums for Part A. You can get premium-free Part A at 65 if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You’re eligible to get Social Security or Railroad benefits but haven’t filed for them yet.
  • You or your spouse had Medicare-covered government employment.

If you’re under 65, you can get premium-free Part A if:

  • You received Social Security or Railroad Retirement Board disability benefits for 24 months.
  • You have End-Stage Renal Disease (ESRD) and meet certain requirements.

Click here for more information about Part A